About Damian Youell

Articles by Damian Youell – Senior Mortgage Broker Damian Youell is the Senior Mortgage Broker at NeedingAdvice.co.uk, helping clients across the UK with clear, down-to-earth mortgage advice. He has experience with first-time buyers, remortgages, buy to let landlords and more complex cases that don’t always fit high street criteria. On this page you’ll find Damian’s articles, guides and FAQs. His aim is to explain mortgage options in plain English, so you can understand how lenders think, what documents you need and what to expect at each stage of the process. If you’re unsure which route is right for you, reading Damian’s guides is a good starting point before you get personalised advice based on your own circumstances.

What Should UK Landlords Understand About HMO Mortgages Before Buying a House in Multiple Occupation?

By |2025-11-28T13:25:11+00:00November 28, 2025|Investment BTL Mortgages, Knowledge Mortgages, Mortgages for Different Properties|

You may have heard of the term ‘HMO’ more frequently lately or sometimes it can be referred to as ‘house share’. HMO stands for ‘House in Multiple Occupation’ or ‘House with Multiple Occupants’ which is described as a home shared by more than one household and where there are common areas that are shared..

MUFBs Mortgages Explained | Multi Unit & Block Mortgage Criteria

By |2025-11-27T12:10:43+00:00November 27, 2025|Financial Advice, Mortgages for Different Properties, Using a Broker|

Investing in property is a cornerstone of wealth creation for many UK landlords, but moving beyond single buy-to-let properties into more complex assets can [...]

How do you decide between a btl mortgage vs commercial loan when financing property in the UK?

By |2025-11-26T16:31:53+00:00November 26, 2025|Bridging Loan, Buy to Let Mortgages, Commercial Mortgages, Property Types|

Choosing the right lending route for property finance is essential for investors, landlords, and business owners navigating a complex landscape of interest rate movements, [...]

Finding the Best Bank for Mortgage UK: A Complete Guide to Mortgage Options and Lenders

By |2025-11-24T12:41:03+00:00November 23, 2025|Income Types, Interest Only, Mortgage Rates|

Finding the best bank for a mortgage in the UK can be a tricky task. With so many banks and deals out there, it’s important to [...]

What Should Property Buyers Know Before Applying for Mundic Block Mortgages?

By |2025-11-21T15:13:10+00:00November 20, 2025|Mortgages for Different Properties, Property Types|

If you’re buying in the South West of England — particularly Cornwall, West Devon or South Devon — understanding mundic [...]

Our Guide To Mortgages For Properties With Annexes

By |2025-11-21T14:13:19+00:00November 19, 2025|Knowledge Mortgages, Mortgages for Different Properties|

Properties with self-contained annexes are rapidly growing in popularity across the UK. Driven by the rise in multigenerational living, the need for a dedicated [...]

What Should You Know Before Applying for Graduate Visa Mortgages in the UK?

By |2025-11-18T13:17:12+00:00November 15, 2025|Mortgages for Different Occupations / Income Types, Non Standard Residency Mortgages, Occupations|

This guide explains how people living in the UK on a graduate visa can explore home-loan options, what lenders look for and how to [...]

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What Should You Know Before Choosing a Mortgage Broker in Lincoln?

By |2025-11-17T13:30:27+00:00November 13, 2025|East Midlands, Towns and cities|

Buying a home or refinancing in Lincoln can feel complex, especially with the range of lenders, financial rules and borrowing options available. This guide [...]

What Should You Know Before Choosing a Mortgage Broker in Chesterfield?

By |2025-11-18T18:40:41+00:00November 12, 2025|East Midlands, Towns and cities|

This guide explains the key steps in the home-buying journey, how lenders assess your financial situation, and what to expect during the application process [...]

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